When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Credit Adjustments Inc


3617 Vera Cruz Ave N
Minneapolis, MN 55422-2049

330 Florence St
Defiance, OH 43512-2593

Contact Them:

Phone: (419) 782-3709
Fax: (419) 784-9784


Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to inform any third party that you owe a debt. This includes family, friends, and/or co-workers.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Cathy G. on June 28, 2015 at 12:05 am

      Credit Adjustments Inc says I have a past due hospital bill. I asked Credit Adjustments Inc for validation of the debt. Credit Adjustments Inc said they can’t do that because of HIPPA laws.

    2. payday loans houston on April 15, 2021 at 7:55 am

      Afteг looking іnto a handfuⅼ of the artiⅽfles on your web page, I really
      apρreciate your way of writing a blog. I aɗdeⅾ it to my bookmarқ website lst and wiklⅼ be checking back in the near future.
      Take a look at my web site too and leet meе
      know howw you feel.

      Аllso ѵisit my web page: payday loans houston

    3. tinder site on May 6, 2021 at 7:06 am

      tinder app , tinder site dating app

    4. verifizieren lovoo on May 17, 2021 at 12:07 pm

      mit lovoo geld verdienen lovoo agb

    5. tender free dating site on May 20, 2021 at 12:33 pm

      free dating connection
      free dating games for guys

    6. top 50 and over adult dating sites on May 20, 2021 at 12:35 pm

      adult nsa dating
      returning to dating as an older adult differential diagnosis

    7. who is harry styles dating on June 16, 2021 at 12:54 pm

      I like this website – its so usefull and helpfull.

    8. Online dating on June 17, 2021 at 6:18 pm

      Greetings, nice internet site you possess at this time

    9. on June 21, 2021 at 4:04 pm

      Thanks for offering this kind of awesome post.

    10. on June 21, 2021 at 4:07 pm

      Great web website! It looks really professional!
      Sustain the excellent job!

    11. what can you drink on the keto diet on June 24, 2021 at 9:46 pm

      Many thanks, this site is very helpful.

    12. keto diet free on June 25, 2021 at 1:38 am

      Great looking internet site. Think you did a lot of your very own html

    13. best food for keto diet on June 25, 2021 at 5:29 am

      Thanks, this website is very beneficial.

    14. on September 20, 2021 at 8:31 am

    15. Консультация по Skype on September 27, 2021 at 2:46 pm

      Профессиональные психологи.
      Консультация по Skype Консультация Психолога
      – Профессиональная поддержка.
      Приглашаем вас на консультации детского психолога.
      Консультация у психолога. Онлайн консультация.
      Услуги консультации психолога. Психолог в Харькове,

    16. Вы можете смотреть Фильмы совершенно бесплатно смотреть фильм дюна в хорошем качестве онлайн смотреть онлайн фильмы 2021 года, уже вышедшие
      в хорошем качестве HD 720 и 1080, бесплатно.

    17. blued gay dating on November 4, 2021 at 7:00 pm

      Maintain the great work and generating the group!

    18. college application essay examples on November 13, 2021 at 10:17 am

      Exceptionally individual friendly website. Enormous details available on couple of clicks on.

    19. mgm casino online michigan on November 16, 2021 at 2:06 am

      Thanks, this site is very helpful.

    20. free sex games for couples on November 18, 2021 at 6:05 am

      Thanks for furnishing such very good articles.

    21. eroge! sex and games make sexy games torrent on November 19, 2021 at 6:18 am

      Many thanks really practical. Will certainly share website with my friends.

    22. keto starbucks drinks on November 19, 2021 at 11:53 pm

      Keep up the remarkable job !! Lovin’ it!

    23. xxx sex games on November 20, 2021 at 4:09 am

      Wow, stunning site. Thnx …

    24. keto diet snacks list on November 21, 2021 at 12:27 am

      Sustain the spectacular job !! Lovin’ it!

    25. keto side dishes on November 21, 2021 at 2:21 pm

      Good page, Continue the fantastic job. Many thanks!

    Share Your Experience

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.